1. RESUME
Name :- ANUPAM GHOSH
Mob No:- 09163202871
E-mail :- ask_anupam23@rediffmail.com
Experience Summary:
Approx. 13 years of experience in areas of Credit & Operations (CV, Car, CE, Tractor,
Gold Loan, P/L, B/L, LAP Division, Auto Leasing & Credit Card) and in Accounts (Banking &
Fund Management, Sales Tax (VAT), EPF, ESI, Service Tax, Professional Tax, IT, FBT & other
statutory activities)
Present Organization:
HDFC Bank Ltd, Gillander House, 8, N S Road, Kolkata – 700001. Working as a Regional
Credit Officer(Deputy Manager) for AFU RCC East. Looking after entire North-East, W.B., Bihar,
Jharkhand & Odisha.
Key Responsibilities:
a) Monitoring Data Entry. Monitoring the data entry team for meeting day to day target,
TAT & Quality as per the Bank guide line. Train them as the latest down load provided
by central team.
b) Scanning & Indexing. This activity is required as the Bank is managing a paperless
activity from this point onward. Managing a team for scan the application Form, Income
Docs, KYC etc. index the docs and upload it.
c) Application Processing. During Credit Card Application processing need to
recommend an application to central under writing team based on the CPV as per the
Bank guide line.
d) Agency Managing. Need to manage CPV agency day to day basis with respect to
TAT, quality & new implementation as per the guide line. Coordination & follow is the key
part here.
e) Agency Compliance Audit. Need to audit the CPV Agency at their place whether the
compliance with respect to FE recruiting, Resigning and Termination, data entry, basic
guide lines for verification etc.
f) Other Activity. Checking and raising Agency billing, Managing ISO compliances as
per guideline, sales coordination and escalation management, managing audit team etc.

2. Previous Organizations: -
1) Magma Fincorp Ltd 3rd Floor, Block - 4A, Ecospace, Kolkata – 700156. From February
2013 to July 2016 as an Assistant Manager in HO Operations for Auto Lease.
Key Responsibilities:
a) Disbursement of credit request. During managing this process need to disburse credit
request as per the provided guide line. b) Billing Generating. Generation of rental billing,
closure & foreclose billing, reconcile with party A/C. c) Master File Creation. Managing
master file creation according to client requirement, meeting compliance, time to time limit
enhancement etc. d) Other Jobs. 1. Reconciling of OEM Discount & incentive schemes &
raising Debit Note. 2. OPE Process management. 3. UAT of new system implementation.
2) HDB Financial Services Ltd 3rd Floor, Jardine House,4,Clive Row, Kolkata – 700001.
From March 2011 to February 2013 as a Branch Operation Manager.
Key Responsibilities:
a) Disbursement of credit request. During managing this process checking of credit
health, KYC & Other docs are manage within stipulated TAT. b) Customer Service.
Attending customer various request and resolving and promoting various products to them are
managed. c) Collection back ends managing. Depositing cash from Collection Officer,
reconciling of A/C, awareness calling, Collection MIS & report preparing etc. d) Credit
Appraising. CAM preparing, financial analysis & Credit request appraising, customer place
visiting for PD etc. e) Admin & Vendor managing. Attending various admin issues &
resolving, vendor bill checking and payment releasing are managed. f) Other jobs like
preparing of 1. profitability MIS, 2. facing internal & external audit compliances, 4. statutory
issues managing etc.
3). MAGMA FINCORP LTD , 4
th
Floor, Park Centre 24 Park Street, Kolkata – 700016. From
MARCH 2006 to FEBRUARY 2011 as a Team Leader in In-house Audit of Retail
Asset Division post disbursement.
Key Responsibilities:
a) Auditing of retail asset files. Credit health, KYC & documentations are checked. b) Training
Branch Credit & Ops regarding system, process, credit & ops related issue.
c) Coordinating with Branch ops for clearing of discrepant file. d) Processing & disbursement
of credit request within TAT.
4). MEHO-HCP AIR SYSTEMS (P) LTD (An authorized dealer of Carrier Aircon Ltd)
from July 2002 to February 2006 as Account & Commercial Executive .

3. Key Responsibilities:
a) Handling statutory compliance like sales tax, service tax, IT, PF, ESI etc. b) Coordinating
with finance manager for fund management, banking related issue. C) Supplier & contractor bill
checking & payment disbursement, reconciling of A/Cs for Creditor & Debtor. d) Supporting
audit programme & admin function. e) Co-coordinating with sale team for credit control, billing &
Tax matter etc.
Achievements
(1) In 2005-06 directed entire Statutory Audit Function in absence of G.M. Finance in last
organization.
(2) In 20010-11 received employee excellence award for 2009-10
Academic Qualification
 Passed B.Com (Hons.) with 53% under The University of Burdwan in the year 2003.
 Passed Higher Secondary Education with 67% under W.B.C.H.S.E. in the year 2000.
 Passed Secondary Education with 75% under W.B.B.S.E. in the year 1998.
Personal Details
Father’s Name Samit Kr. Ghosh
Date of Birth 18-11-1981
Marital status Single
Language Known English, Hindi & Bengali
Nationality Indian
Permanent address Ram Prasad Chatterjee Street, Narua,
P.O. – Chandannagar, Dist: - Hooghly
Pin: - 712136, State –West Bengal
All the above information furnished by me is correct.
Anupam Ghosh
Date -